Search found 24 matches

by Neuron
Tue Oct 13, 2020 7:39 am
Forum: Personal Investments
Topic: Married filing jointly - 401k contribution limit
Replies: 12
Views: 1344

Re: Married filing jointly - 401k contribution limit

19.5k is the pretax limit to employee contributions (assuming you are on the younger side), you may be able to add more post-tax if your employer offers that option in their plan. You need to read your employers 401k plan information to know that.
by Neuron
Sat May 09, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Rocks or Mulch?
Replies: 37
Views: 2148

Re: Rocks or Mulch?

Put down a lattice to help hold in any soil and then put plants down. That should hold up better to gravity and the plants will also help with erosion control.
by Neuron
Thu Feb 27, 2020 8:17 pm
Forum: Personal Investments
Topic: Not a market timer, but facing unique situation...
Replies: 4
Views: 721

Re: Not a market timer, but facing unique situation...

This seems like a boon given the tone of your post. Make a rational decision about your asset allocation now, then be glad that you can’t do anything emotional to change things over those next few weeks when you are locked out.
by Neuron
Thu Feb 28, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house as a medical student
Replies: 23
Views: 1240

Re: Buying a house as a medical student

Unless you have some reason you are certain you won’t be moving for residency, it isn’t worth it. Even when starting residency you have to carefully consider the housing/rental market in the area and how long you plan on staying for residency/fellowship. Beyond the financial considerations, being ab...
by Neuron
Mon Jan 21, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Overcontribution to 401K
Replies: 8
Views: 512

Re: Overcontribution to 401K

Is some of the contribution post tax? My understanding is that some plans allow post tax contributions to 401k.
by Neuron
Thu Nov 15, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 5499

Re: Does Early Retirement Make You Live Longer?

When I look at this data I think one of two things happened. Either the data was made up, or the person looking at the data made a mistake of not looking at a long enough follow-up period and didn’t include survivors in the avg age of death calculations. Imagine you take a group of 5 people who are ...
by Neuron
Thu Nov 01, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Payroll experts: prorating salary calculation gone wrong?
Replies: 8
Views: 1343

Re: Payroll experts: prorating salary calculation gone wrong?

I work with a system that pays biweekly so all pay periods have 10 days, so the math is simpler. It sounds like in the system you describe (example 1) the employee would get a better deal during longer pay periods and a worse deal during short pay periods, since the cost is an average over the year ...
by Neuron
Wed Oct 03, 2018 9:45 pm
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 7045

Re: Is this ignorance or intentionally misleading?

[quote=mptfan post_id=4147762 time=<a href="tel:1538606151">1538606151</a> user_id=892] [quote=tibbitts post_id=4147745 time=<a href="tel:1538605546">1538605546</a> user_id=489]Anyone would assume the default starting age for average lifetime would be zero. I understand why this...
by Neuron
Wed Aug 29, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4927

Re: Bone in my food

I ordered take out from Chipotle on Friday, just got around to eating it last night. I kept it and contacted their customer service. Do I bring the bone into the store and show the manager? Never was a big fan of their chicken but it is the only meat that I eat from them. Very odd post. First, why ...
by Neuron
Sun Aug 19, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 73
Views: 6325

Re: What kind of medical events that may ruin your retirement?

flyingaway wrote: Sat Aug 18, 2018 3:53 pm My question is what kind of medical events that you know which have ruined people's retirement, or bankrupted some people even before retirement? (with or without health insurance).
The most obvious is death. Number one cause of ruined retirements.
by Neuron
Tue Jul 10, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 2471

Re: Radon

We had a level of 3.8 at the time of our home purchase 2 years ago and decided to remediate after I read through the studies on radon and lung cancer risk. I work at home and we have two young children. Also, our test was run in the spring and levels can fluctuate at different points in the year. Af...
by Neuron
Mon Jul 09, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 6300

Re: Should I take a $60k paycut to work 4days/week

With higher marginal tax rates, the 60k cut might not be as big as it seems.
by Neuron
Tue Jun 26, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Painting Aluminum Siding
Replies: 7
Views: 529

Re: Painting Aluminum Siding

What percentage of the entire price is that $600? Exterior painting here typically runs $5000 for a 2000 sqft 2 story home with a similar base color to much higher for large homes, so that $600 does not seem like a large expenditure compared to the overall price and I would probably go for it to try...
by Neuron
Wed Jun 06, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: FIRECalc anomaly
Replies: 10
Views: 1271

Re: FIRECalc anomaly

By the OP it sounds like invested.
by Neuron
Wed Jun 06, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: FIRECalc anomaly
Replies: 10
Views: 1271

Re: FIRECalc anomaly

If I am understanding this correctly it still sounds like a bug. Why would the starting balance be the min if the market dropped 50% on day 1? Is this occurring with the initial amount being listed as invested or sitting in a bank account or cash?
by Neuron
Sat Jun 02, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: govt vs. private job offers: please help me decide!
Replies: 38
Views: 4236

Re: govt vs. private job offers: please help me decide!

I suggest going to the job that is closest to what you want to what you want to keep doing. Skills atrophy and develop depending upon what you are doing routinely. For my anecdote, I am not a psychologist but am in a field with clinical work with multiple forms of sub-specialization. When I finished...
by Neuron
Mon May 28, 2018 5:04 pm
Forum: Personal Investments
Topic: 1.6 M Portfolio
Replies: 23
Views: 4930

Re: 1.6 M Portfolio

K is used in scientific/metric abbreviations and has been prior to computers. Kilovolt = kV, kilometer = km, etc.
by Neuron
Wed May 23, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs after college and before graduate/medical school -- Are employers okay with you trying different jobs?
Replies: 9
Views: 1353

Re: Jobs after college and before graduate/medical school -- Are employers okay with you trying different jobs?

I don’t think this is a big deal for medical school. For my medical school the average matriculate age was 24, suggesting most students followed a fairly direct path to admission following undergrad. Despite this, we had a diverse representation of prior careers including teachers, computer programm...
by Neuron
Mon Apr 30, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 3173

Re: Help me decide if I can afford to buy an apartment for parents

If the issue is just that it is dirty, wouldn't it be cheaper to pay for a cleaner?
by Neuron
Fri Apr 27, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 8665

Re: Comfortable Commuter Cars under $50K

I have a 2013 Subaru Crosstrek with a nice set of options and love it. Definitely less than $50k, closer to $28k new, I don't think I would go much higher for a vehicle. I am 35 now and not really a car aficionado.
by Neuron
Wed Apr 11, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: Is rebalancing with new money only superior?
Replies: 17
Views: 1745

Re: Is rebalancing with new money only superior?

If all things are equal, meaning you are still putting in new money at your AA, and are not dealing with tax consequences from selling, then it shouldn't matter. Say 50/50 AA with $100 to start means you have $50 bonds $50 in stocks. If stocks drop 20% (so you have $50 in bonds and $40 in stocks) an...
by Neuron
Wed Dec 13, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 42
Views: 4959

Re: How to deal with Micro-manager

Get a dog or a recording of a dog that barks incessantly. Wait for the manager to ask to mute. :sharebeer
by Neuron
Sat Jul 08, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for a 25k to 30k windfall
Replies: 14
Views: 2270

Re: Planning for a 25k to 30k windfall

Slov: You may find this earlier post of interest: . . . Buying the Toyota saves $39,037 in 5-years or approximately $3,253/year. If instead of buying a fancier car, you invest the $3,253/year @ 8.5% in a Roth IRA, in 40 years (age 25-65) you will have saved approximately $1,043.613 (Over One Millio...